MSH International Visitors Insurance

MSH International merged with Ingle International in 2017. Ingle, a pioneer in Canadian travel insurance, markets the Discover Canada Visitors to Canada insurance policy. This policy is underwritten by Markel Syndicate Management Limited, a Lloyd's underwriter based in England.

Advantages

  • For Super Visa holders or other visitors to Canada purchasing coverage of one year, the Discover Canada plan offers some unique (non-emergency) benefits: after 9 months the insured person is allowed to spend up to $250 for a regular doctor's appointment and submit receipts for reimbursement; after 6 months a $100 amount can be spent on vaccinations and $100 on an eye exam.
  • Stable pre-existing medical conditions are covered with a 90-day stability period for travellers under age 71,
  • Competitive rates for travellers aged 60-70 with full unrestricted (this is important) pre-ex coverage for travellers in their 70s,  
  • Multiple deductible options available to lower costs,
  • Only plan with $1M coveage option available. 

Disadvantages

  • Markel is not a well known underwriter in Canada, although its parent company is listed on the New York Stock Exchange,
  • High cancellation fee,
  • Pre-ex coverage not available past age 80. Ages 71-80 have a minimum deductible of $500.
  • Not available until age 40.